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1. 发明授权

US10445838B2 Automatic determination of periodic payments based on transaction information 有权
公开(公告)号：US10445838B2
公开(公告)日：2019-10-15
申请号：US14098829
申请日：2013-12-06
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Serge Bernard , Nikhil Malgatti
IPC分类号： G06Q40/00 , G06Q20/12 , G06N20/00
摘要： According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine periodic payment information (e.g., associated with a subscription or membership) associated with the payment account. The automatically determined periodic payment information may then be output. For example, a predicted next periodic payment due date might be calculated and output.

2. 发明授权

US10074141B2 Method and system for linking forensic data with purchase behavior 有权
公开(公告)号：US10074141B2
公开(公告)日：2018-09-11
申请号：US14293470
申请日：2014-06-02
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Kent Olof Niklas Berntsson , Jean-Pierre Gerard
IPC分类号： G06Q50/26 , G06Q40/00
CPC分类号： G06Q40/12 , G06Q50/26
摘要： A method for linking forensic data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier associated with the related consumer and a plurality of transaction data entries, each entry including data related to a payment transaction involving the consumer including transaction data; receiving a forensic profile, the profile including forensic data obtained from a computing device; identifying a correspondence between the received forensic data and transaction data included in the stored transaction data entries to obtain a specific consumer identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and transmitting at least the transaction data included in one or more transaction data entries included in the identified specific consumer profile.

3. 发明申请

US20150348028A1 SYSTEMS AND METHODS FOR MANDATED SERVICES VERIFICATION 有权
标题翻译：用于确定服务验证的系统和方法
公开(公告)号：US20150348028A1
公开(公告)日：2015-12-03
申请号：US14290260
申请日：2014-05-29
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Jean-Pierre Gerard , Kent Olof Niklas Berntsson
IPC分类号： G06Q20/40 , G06Q30/00
CPC分类号： G06Q40/08 , G06Q20/40 , G06Q30/018
摘要： A method and system for verifying cardholder compliance or non-compliance with a mandated services requirement by a third party using a payment card payment card network coupled to a database are provided. The method includes receiving sets of predetermined parameters that each define a transaction for one or more mandated services, receiving, by the computer device, transaction data for a plurality of transactions, determining, by the computer device, transactions for one or more mandated services from the plurality of received transactions using the received sets of parameters, summarizing the transaction data from the determined transactions, and transmitting the summarized transaction data to the third party, the summarized transaction data demonstrating cardholder compliance or noncompliance with the mandated services requirement.
摘要翻译：提供了一种用于验证持卡人符合性或不遵守第三方使用耦合到数据库的支付卡支付卡网络的强制服务要求的方法和系统。该方法包括接收每个定义一个或多个强制服务的事务的预定参数集合，由计算机设备接收多个事务的交易数据，由计算机设备确定一个或多个授权服务的交易，所述多个接收到的交易使用所接收的参数集合，从所确定的交易总结交易数据，以及将汇总的交易数据发送给第三方，所述汇总交易数据显示持卡人遵守或不遵守强制服务需求。

4. 发明授权

US09792610B2 Non-payment communications using payment transaction network 有权
公开(公告)号：US09792610B2
公开(公告)日：2017-10-17
申请号：US14325823
申请日：2014-07-08
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Kent Olof Niklas Berntsson , Jean-Pierre Gerard
IPC分类号： G06K5/00 , G06Q20/40 , G07G1/14 , G06Q20/20
CPC分类号： G06Q20/409 , G06Q20/202 , G07G1/14
摘要： A communication channel is provided between a transaction acquirer and a payment network, for the purpose of transmitting payment card account transaction authorization requests. Via the communication channel the payment network may receive a message containing additional information. The additional information may originate at the point of sale and may be in addition to a PAN (primary account number) or the like. The payment network may send a message including the additional information to an entity that is neither a payment account issuer nor the transaction acquirer.

5. 发明申请

US20170116620A1 SYSTEMS AND METHODS FOR IDENTIFYING SPREE SHOPPING BEHAVIOR 审中-公开
公开(公告)号：US20170116620A1
公开(公告)日：2017-04-27
申请号：US14921550
申请日：2015-10-23
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Edward M. Lee
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201
摘要： A computer-implemented method for identifying cardholder spree shopping behavior is implemented by a spree shopping identification (SSI) computing device in communication with a memory. The method includes receiving historical transaction data from a payment processor and generating at least one shopping profile using at least a portion of the historical transaction data. The shopping profiles include at least one leading indicator used to identify transaction characteristics consistent with spree shopping behavior. The method further includes receiving current transaction data, applying the shopping profiles to the current transaction data, and determining that a candidate cardholder is engaged in spree shopping behaviors.

6. 发明申请

US20170116605A1 APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SECURE, PRIVACY-AWARE QUALIFIED EXPENDITURE TRACKING IN AN ISO 8583 NETWORK OR THE LIKE 审中-公开
公开(公告)号：US20170116605A1
公开(公告)日：2017-04-27
申请号：US14920274
申请日：2015-10-22
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Jean-Pierre Gerard
IPC分类号： G06Q20/40 , G06F17/30 , G06Q20/20
CPC分类号： G06Q20/204 , G06Q20/023 , G06Q20/209 , G06Q20/405
摘要： At an intermediate node in a payment card processing network, clearing records are obtained for payment card transactions with a merchant which sells eligible wares and ineligible wares. Said clearing records specify, for each of said transactions, a total transaction amount and information representative of an amount associated with said eligible wares. At least a portion of said clearing records are stored in a first database accessible to said intermediate node in said payment card processing network, by transaction. Said first database is queried on payment card account number and, for said payment card account number, at least said information representative of an amount associated with said eligible wares is collected. Said collected information representative of an amount associated with said eligible wares is made available to at least one interested party.

7. 发明申请

US20160012443A1 NON-PAYMENT COMMUNICATIONS USING PAYMENT TRANSACTION NETWORK 有权
标题翻译：使用付款交易网络的非支付通信
公开(公告)号：US20160012443A1
公开(公告)日：2016-01-14
申请号：US14325823
申请日：2014-07-08
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Kent Olof Niklas Berntsson , Jean-Pierre Gerard
IPC分类号： G06Q20/40 , G06Q20/20 , G07G1/14
CPC分类号： G06Q20/409 , G06Q20/202 , G07G1/14
摘要： A communication channel is provided between a transaction acquirer and a payment network, for the purpose of transmitting payment card account transaction authorization requests. Via the communication channel the payment network may receive a message containing additional information. The additional information may originate at the point of sale and may be in addition to a PAN (primary account number) or the like. The payment network may send a message including the additional information to an entity that is neither a payment account issuer nor the transaction acquirer.
摘要翻译：在交易获取方和支付网络之间提供通信信道，用于发送支付卡账户交易授权请求。通过通信信道，支付网络可以接收包含附加信息的消息。附加信息可以来自销售点，并且可以是PAN（主帐号）等的补充。支付网络可以向既不是支付账户发行者也不是交易获取方的实体发送包括附加信息的消息。

8. 发明申请

US20150332286A1 SYSTEM AND METHOD IDENTIFYING HOLDERS OR RE-SELLABLE COMMODITIES 审中-公开
标题翻译：系统和方法识别持有人或可再销售商品
公开(公告)号：US20150332286A1
公开(公告)日：2015-11-19
申请号：US14276663
申请日：2014-05-13
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Kenny Unser , Serge Bernard , Nikhil A. Malgatti
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q30/0201
摘要： A system for identifying a holder of re-sellable commodities is provided. The system includes one or more data storage devices containing payment card transaction data of a plurality of customers and a filter configured to identify payment card transactions associated with a predetermined re-sellable commodity from the payment card transaction data. The system further comprises one or more additional data storage devices containing at least one of market or industry data related to the predetermined re-sellable commodity. A processor is provided and configured to analyze the card payment transaction data and the market or industry data related to the predetermined re-sellable commodity for identifying a customer likely to be in possession of the predetermined re-sellable commodity.
摘要翻译：提供了一种用于识别可再销售商品持有人的系统。该系统包括一个或多个包含多个客户的支付卡交易数据的数据存储设备和被配置为从支付卡交易数据中识别与预定的可重新销售商品相关联的支付卡交易的过滤器。该系统还包括一个或多个额外的数据存储设备，其包含与预定的可重新销售商品相关的市场或行业数据中的至少一个。处理器被提供和配置为分析卡支付交易数据以及与预定的可再销售商品相关的市场或行业数据，以识别可能拥有预定的可再销售商品的顾客。

9. 发明申请

US20150170127A1 APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ESTIMATING THE POTENTIAL BENEFIT OF FUNDING A SPECIAL ACCOUNT 审中-公开
标题翻译：设备，方法和计算机程序产品，用于估算资金特别账户的潜在收益
公开(公告)号：US20150170127A1
公开(公告)日：2015-06-18
申请号：US14104736
申请日：2013-12-12
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Serge Bernard , Nikhil Malgatti
IPC分类号： G06Q20/22 , G06Q20/34 , G06Q20/10
CPC分类号： G06Q20/227 , G06Q20/10 , G06Q20/34 , G06Q20/405
摘要： Transaction data from a set of transactions is examined to identify a portion of spending in the set of transactions which is eligible for coverage by a special spending account. The set of transactions was not made with the special spending account. A funding recommendation for the special spending account is provided, based on the identified portion of the spending in the set of transactions which is eligible for the coverage by the special spending account.
摘要翻译：检查来自一组交易的交易数据以识别该组交易中的一部分支出，这些交易有资格被特别支出账户覆盖。这笔交易没有用特别支出账户。根据特定支出帐户的资金支付的一组交易中确定的部分支出，提供特别支出帐户的资金建议。

10. 发明申请

US20160267580A1 System and Method of Determining the Line of Business for Corporate Payment Account Products 审中-公开
标题翻译：确定公司支付账户产品业务线的制度和方法
公开(公告)号：US20160267580A1
公开(公告)日：2016-09-15
申请号：US14642615
申请日：2015-03-09
申请人： MasterCard International Incorporated
发明人： Kenny Unser , Serge Bernard
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： A system, method, and computer-readable storage medium configured to determine the line of business for a corporate payment account.
摘要翻译：配置为确定公司支付帐户的业务线的系统，方法和计算机可读存储介质。

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